Threshold March 2019

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HOMEMADE MORTGAGES Dread the thought of sending your home loan to a faceless out-of-town megaloan conglomeration? From application to loan closing and making payments, borrow right here and pay right here with a homemade mortgage from Dupaco. $600 OFF MORTGAGE CLOSING COSTS * Cozy up to a Dupaco mortgage loan for a home purchase or refinance and sweeten the deal with $600 off your closing costs. Now that’s a home sweet loan! Get moving! Schedule an appointment at 800-373-7600, ext. 204 * This offer is good through August 31, 2018 and applies to Real Estate applications taken by the credit union from April 1, 2018, through August 31, 2018 resulting in an approved and disbursed real estate loan at the credit union. This offer is not transferable and may not be used in conjunction with any other discounts, offers or coupons and may not be redeemed in cash. This offer requires Dupaco membership. To be eligible for membership in Dupaco you must live or work in Dupaco’s charter area or have a member of your immediate family be an existing member of the credit union. Commercial loans, Mini Mortgages and Home equity loans are excluded from the offer. 12 THRESHOLD MARCH <strong>2019</strong>
Thinking About Home Remodeling? Start Here Article provided by National Association of Home Builders Sooner or later you may join the millions of people who remodel their homes each year. Perhaps it’s at that moment when you realize that avocado green and harvest gold are no longer the “in” colors for today’s trendy kitchens. Or maybe you have an epiphany one day as you stand in line to use your own bathroom. Whatever the impetus, the thought crosses your mind: Maybe it’s time to start a home remodel. The reasons for home remodeling are as varied as the projects we undertake. Some of these include: • Adding more space • Upgrading cabinets, counters, appliances and fixtures • Creating a floor plan that’s customized for your lifestyle • Improving energy efficiency with new windows, doors, insulation, and climate control systems • Increasing the resale value of your home Where to Begin The first step is to develop an idea of what you want to do with your home remodel. Write a prioritized list of your needs and wants. There are many sources to find design ideas for your home remodeling project. Look at magazines and websites and collect pictures of homes or remodeling projects you like. The more clearly you can envision the project and describe it on paper, the better prepared you’ll be in making your decision. Think about traffic patterns, furniture size and placement, colors, lighting and how you expect to use the remodeled space. If your decision to remodel involves creating better access for someone with limited mobility, you may want to consider contacting a Certified Aging-in- Place Specialist. You may want to improve home efficiency and hire a professional remodeler for green home remodeling. These projects include replacing windows and doors, upgrading heating and cooling systems, adding insulation, and other remodeling to make the home more energy-efficient, easier to maintain, and comfortable. Figure out how much money you have to spend on the home remodeling job, furnishings, landscaping or any other cost you might incur. Can you do it yourself? Once you have created your list of priorities, you’ll need to decide how to accomplish that vision. For the handyman or woman, a do-it-yourself project can be both rewarding and cost-effective. However, more than 30% of all jobs home remodelers perform come from failed DIY projects. Hiring a professional remodeler is the best way to ensure your project’s success. These remodelers are dedicated to maintaining the highest integrity and standards in the industry. If you decide to hire a CONNECT with your local HBA professional remodelers professional, your next steps should include learning how to: • Choose which remodeler is right for you • Avoid contractor fraud • Prepare to live with your remodeling projec THRESHOLD MARCH <strong>2019</strong> 13
Page 1 and 2: MARCH 2019 INSIDE HOW TO CHOOSE A H
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Page 15 and 16: 40th Annual Cedar Rapids Home Show
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Page 19 and 20: MARCH 14 Shamrock Shenanigans, Host

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